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MBNA 21 Month Balance Transfer and Purchase Card

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Balance Transfer offer duration
21 mths
Transfer Fee
2.99%
Representative % APR (variable)
21.9% APR
You'll save £615

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) your representative APR will be 21.9% APR (variable)

What's Good

0% interest for up to 21 months on balance transfers made in the first 60 days, then 21.94% p.a (variable)
0% interest for up to 21 months on purchases made in the first 60 days, then 21.94% p.a (variable)
0% interest for up to 12 months on money transfers made in the first 60 days, then 21.94% p.a (variable)
You could earn cashback with MBNA Smart Rewards – see provider site for more details

What's Bad

You can't transfer between MBNA accounts
The product, APR and promotional offer you could get may vary from the example based on your circumstances and the results of MBNA's eligibility check
High money and balance transfer fee when introductory period ends of 5%

Features

0% interest for up to 21 months on balance transfers made in the first 60 days, then 21.94% p.a (variable). (2.99% transfer fee in the first 60 days, then 5%)
0% interest for up to 21 months on purchases made in the first 60 days, then 21.94% p.a. (variable)
0% interest for up to 12 months on money transfers made in the first 60 days, then 21.94% p.a (variable). (4% transfer fee in the first 60 days, then 5%)

Eligibility

Must be over 18 years of age
Must have a good credit history
Must hold a UK Bank/Building Society Account
Must have had a UK permanent address for at least three years

Calculate your savings

Savings Calculator

Amount

How much would you like to transfer?

Repayments

How much can you repay monthly?

% APR

What's your current card's APR?

Update Savings

You'll save 615

See how we calculate this

Your savings

Interest savedInterest savedThe interest saved over the length of the 0% deal compared to borrowing on a card with your current APR (over the 0% period)
£705
Transfer feeTransfer feeThe one off handling fee that you will have to pay if you transfer a balance
£90
Annual feeAnnual feeSome cards charge an annual fee, although the majority are fee free
£0
You'll save
£615

We calculate the interest you would save by holding your balance on the new 0% interest card instead of your current card, taking into account the transfer fee, over the length of the 0% offer.

We assume you won’t do any spending on the card as this is usually charged at a different rate. For a full list of assumptions click here

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
Tooltip
0 %
Duration
Tooltip
21 months
Transfer Fee
Tooltip
2.99 %
Purchase OfferTooltip
Intro Rate
Tooltip
0 %
Duration
Tooltip
21 months
Annual Interest RatesTooltip
Balance Transfers
Tooltip
21.94 %
Purchases
Tooltip
21.94 %
Cash Withdrawals
Tooltip
21.94 %
Other Key Facts
Annual Fee
Tooltip
£0
Cash Advance Fees
Tooltip
5 %
Minimum Age
18 years
Minimum Income
Not Specified
Overseas Transaction Fee
Tooltip
2.95 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Coronavirus help and support

You can find more information about coronavirus help and support here.

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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